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Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP)

San Francisco, California

Last verified
See what you qualify forOfficial program site →
Income limit

$371,400

The household income limit the program publishes

Repayment

Deferred

No payments until the home is sold or refinanced

What is Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP)?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) is a deferred second loan for homebuyers in San Francisco, California.

  • Up to $500,000 deferred loan for downpayment assistance to support wealth-building for Black, Indigenous, and people of color (BIPOC) communities harmed by SF's history of housing discrimination.

Do you have to pay it back?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: FICO score greater than 700
  • A completed homebuyer education course, through HUD-approved housing counseling required
  • Sourced from Homebuyer Wallet (CA250075). Targeted to BIPOC communities harmed by SF's history of housing discrimination. Verify with provider before lender use.

The program excludes

  • Households above $371,400

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) limits household income to $371,400.

  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) can be used for Single-family, Condo, Townhouse.

Where does it apply?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) serves buyers purchasing in San Francisco, California.

How do you apply?

Applications for Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved housing counseling required.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP), explained

A short, free course on Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP): what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

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